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OUR MISSION

At Prepayment Penalty Mentor, we empower Canadian mortgage agents with the tools and expertise to confidently navigate prepayment penalties and refinancing scenarios.

 

Our industry-leading platform is designed to maximize client savings, enhance your credibility, and streamline complex mortgage decisions—giving you a competitive edge.

OUR TOOLS

With our tools, you can:

✔ Identify & mitigate IRDs before they cost your clients thousands.

✔ Simplify refinance discussions with clear savings comparisons.

✔ Stay ahead of market trends with real-time data.

✔ Gain expert-level knowledge through strategic training.​

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Penalty Calculator. Leverage the Penalty Calculator to access:

  • Precise penalty estimates for 50+ lenders

  • Interactive graphs

  • Forecasted penalties

  • Real-time insights into penalty behaviour

 

Comparison Tool. Unlock the power of our Comparison Tool for:

  • Precise prepayment calculations

  • Tailored refinance scenarios

  • Debt consolidation insights

 

Explorer Tool. Use the Explorer Tool for:

  • Instant prepayment calculations

  • Penalty simulations

  • Hands-on training with industry expert Matt Imhoff to help you grow your business faster​

 

 

​Take control of mortgage penalties and turn them into opportunities.

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Learn more about our packages here.

TESTIMONIALS

"If you haven't used the Penalty Calculator yet... what are you even doing? I ran four different mortgages through it... and all four showed interest savings. One client couldn't move forward because they didn't have the cash to cover the penalty, but the other three? They're all breaking their terms and taking new mortgages with me. This tool is a goldmine - especially if you've got a lot of 3-year fixed deals from the past couple of years. We all know there's money sitting in our databases... this is an easy way to find it."

CHRIS K.

"1000%. The tool pays for itself. Also, just found three deals this week that I booked over a year ago. All three have significant interest savings and, surprisingly to me, are not in IRD yet - so only 3 months' interest."

CURTIS K.

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